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Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Risk Warning

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Read our full Risk Warning

Risk Information

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk. 

What are the key risks?

You could lose all the money you invest
- If the business you are investing in fails, there is a high risk that you will lose 100% of your money. Most start-up and early-stage businesses fail. 
- Advertised rates of return aren’t guaranteed. This is not a savings account. If the borrower doesn’t pay you back as agreed, you could earn less money than expected. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is. 
- Certain of these investments can be held in an Innovative Finance ISA (IFISA). An IFISA does not reduce the risk of the investment or protect you from losses, so you can still lose all your money. It only means that any potential returns will be tax free.
- Checks on the businesses you are investing in, such as how well they are expected to perform, may not have been carried out by the platform you are investing through. You should do your own research before investing.
You won't get your money back quickly
- Many bonds last for several years, so you should be prepared to wait for your money to be returned even if the business you’re investing in repays on time.
- You are unlikely to be able to cash in your investment early by selling your bond. You are usually locked in until the business has paid you back over the period agreed.
- The platform does not offer a secondary market. While another investor may be interested in buying your investment, there is no guarantee you will find a buyer at the price you are willing to sell. 
Don’t put all your eggs in one basket
- Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.   A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
You are unlikely to be protected if something goes wrong
- Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
- Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. Learn more about FOS protectionhere

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about investment-based crowdfunding, visit the FCA’s website here.

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Investing on qardus.com involves risks, including loss of capital, illiquidity, and failure to pay returns. It should be done only as part of a diversified portfolio.

Never invest more than you can afford to lose and never make investment with borrowed monies. Investment opportunities on this platform are targeted solely at investors who understand these risks and for whom such investments are suitable. Qardus does not give investment advice or recommendations regarding investment opportunities, and any investment decision must be made only on the basis of all of the information provided by the issuer for that investment opportunity, including (without limitation) the relevant Investment Memorandum (IM) that is available to registered members of the platform. Please read the Risks section of our site to learn more about the risks associated with the products offered on this platform.

The investment opportunities on qardus.com are not an offer to the public in any jurisdiction and are available only to registered members of the platform who have certified that they are eligible to invest. Any person who is not resident in the United Kingdom who wishes to view these investment opportunities must first satisfy themselves that they are eligible to do so under the securities laws and regulations applicable to them. This site does not constitute an offer of, or the solicitation of an offer to buy or subscribe for, any securities to any person in any jurisdiction to whom or in which such offer or solicitation would be unlawful.

In respect of its regulated activities, Qardus Ltd (FRN 921442) is an appointed representative of Share In Ltd (FRN 603332), which is authorised and regulated by the Financial Conduct Authority.

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